Decillion Finance Ltd

₹ 38.6 5.00%

09 Sep 3:15 p.m.

About

Incorporated in 1995, Decillion Finance Ltd is in the business of investment and finance.^[1]

Key Points

Business Overview:^[1]
DFL is a registered as a non-systematically important non deposit taking non-banking finance company. The company operates
in West Bengal and specializes in providing financial services.

Website BSE

Market Cap ₹ 13.5 Cr.
Current Price ₹ 38.6
High / Low ₹ 61.9 / 34.2
Stock P/E
Book Value ₹ 35.5
Dividend Yield 0.00 %
ROCE 0.08 %
ROE -0.24 %
Face Value ₹ 10.0

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Pros

Company has reduced debt.
Company is almost debt free.
Stock is trading at 1.01 times its book value
Debtor days have improved from 79.9 to 21.1 days.

Cons

Company has low interest coverage ratio.
The company has delivered a poor sales growth of 10.5% over past five years.
Company has a low return on equity of 0.03% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	0.27	0.23	0.25	0.25	0.26	0.27	0.26	0.26	0.27	0.27	0.25	0.25	0.23
Interest	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.02
	0.13	0.07	0.10	0.70	0.11	0.17	0.61	0.05	0.11	0.03	0.56	0.34	0.11
Financing Profit	0.13	0.15	0.14	-0.46	0.14	0.09	-0.36	0.20	0.15	0.23	-0.32	-0.10	0.10
Financing Margin %	48.15%	65.22%	56.00%	-184.00%	53.85%	33.33%	-138.46%	76.92%	55.56%	85.19%	-128.00%	-40.00%	43.48%
	0.00	0.00	0.00	0.02	0.00	0.00	0.00	0.02	0.00	0.04	-0.01	-0.03	0.00
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	0.13	0.15	0.14	-0.44	0.14	0.09	-0.36	0.22	0.15	0.27	-0.33	-0.13	0.10
Tax %	23.08%	26.67%	28.57%	-25.00%	28.57%	22.22%	-16.67%	13.64%	26.67%	22.22%	-24.24%	-15.38%	30.00%
	0.10	0.11	0.09	-0.32	0.10	0.06	-0.30	0.20	0.11	0.21	-0.25	-0.11	0.08
EPS in Rs	0.29	0.31	0.26	-0.91	0.29	0.17	-0.86	0.57	0.31	0.60	-0.71	-0.31	0.23
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	1.05	0.98	1.50	3.16	0.67	0.66	0.63	0.81	0.91	1.00	1.05	1.04	1.00
Interest	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.03	0.05	0.04	0.04	0.04	0.05
	1.00	0.75	1.32	3.06	0.65	0.69	0.34	0.90	0.94	0.98	0.94	1.03	1.04
Financing Profit	0.05	0.22	0.18	0.10	0.02	-0.03	0.29	-0.12	-0.08	-0.02	0.07	-0.03	-0.09
Financing Margin %	4.76%	22.45%	12.00%	3.16%	2.99%	-4.55%	46.03%	-14.81%	-8.79%	-2.00%	6.67%	-2.88%	-9.00%
	0.00	-0.04	0.00	0.00	0.00	-0.03	0.02	0.00	0.00	0.00	0.02	0.00	0.00
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	0.05	0.18	0.18	0.10	0.02	-0.06	0.31	-0.12	-0.08	-0.02	0.09	-0.03	-0.09
Tax %	40.00%	22.22%	33.33%	20.00%	200.00%	0.00%	3.23%	50.00%	-37.50%	0.00%	33.33%	0.00%
	0.04	0.14	0.13	0.08	-0.02	-0.06	0.30	-0.18	-0.06	-0.03	0.07	-0.03	-0.07
EPS in Rs	0.11	0.40	0.37	0.23	-0.06	-0.17	0.86	-0.51	-0.17	-0.09	0.20	-0.09	-0.19
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Compounded Sales Growth
10 Years:	1%
5 Years:	11%
3 Years:	5%
TTM:	-6%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	14%
TTM:	-200%

Stock Price CAGR
10 Years:	%
5 Years:	%
3 Years:	39%
1 Year:	-28%

Return on Equity
10 Years:	0%
5 Years:	0%
3 Years:	0%
Last Year:	0%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	3.50	3.50	3.50	3.50	3.50	3.50	3.50	3.50	3.50	3.50	3.50	3.50
Reserves	7.45	7.58	7.71	7.79	7.64	7.73	7.83	7.89	8.88	8.87	8.94	8.94
Borrowing	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.72	0.77	0.83	0.85	0.00
	0.03	0.68	0.03	0.04	0.06	0.02	0.01	0.03	0.02	0.51	0.03	1.40
Total Liabilities	10.98	11.76	11.24	11.33	11.20	11.25	11.34	12.14	13.17	13.71	13.32	13.84
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	4.23	1.92	1.64	1.69	3.25	1.88	2.34	2.53	0.93	0.39	0.40	0.62
	6.75	9.84	9.60	9.64	7.95	9.37	9.00	9.61	12.24	13.32	12.92	13.22
Total Assets	10.98	11.76	11.24	11.33	11.20	11.25	11.34	12.14	13.17	13.71	13.32	13.84

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-0.60	-1.94	-0.42	0.46	0.28	-0.09	0.01	-0.63	0.00	-0.04	0.48	-1.02
	0.63	2.32	0.59	0.10	-1.49	0.09	0.00	0.00	0.01	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.70	-0.01	0.02	-0.02	0.50
Net Cash Flow	0.03	0.37	0.17	0.56	-1.21	0.00	0.01	0.07	0.00	-0.02	0.46	-0.52
Free Cash Flow	-0.60	-1.94	-0.42	0.46	0.28	-0.09	0.01	-0.63	0.00	-0.04	0.48	-1.02
CFO/OP	-1,160%	-826%	-200%	480%	1,600%	300%	7%	611%	0%	-100%	455%	-10,200%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	0.37%	1.27%	1.17%	0.71%	-0.18%	0.36%	2.66%	-1.58%	-0.50%	-0.24%	0.56%	-0.24%

Insights

In beta

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Gross Loan Book
INR '000

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					xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xxx,xxx.xx	xx,xxx.xx

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Net Loan Book
INR '000

Loans to Related Parties
INR '000

ECL Impairment Provisions
INR '000

Loan Repayments
INR '000

New Loan Disbursements
INR '000

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

3 Recently

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	40.98%	40.98%	40.98%	40.98%	40.98%	40.98%	40.98%	40.98%	40.98%	40.98%	40.98%	40.98%
	59.03%	59.02%	59.02%	59.03%	59.02%	59.02%	59.01%	59.02%	59.02%	59.02%	59.01%	59.02%
No. of Shareholders	1,946	1,898	1,851	1,737	1,782	1,888	1,804	1,870	1,914	1,871	1,828	1,846

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
	40.98%	40.98%	40.98%	40.98%	40.98%	40.98%	40.98%	40.98%	40.98%	40.98%	40.98%
	59.02%	59.02%	59.02%	59.02%	59.02%	59.02%	59.02%	59.02%	59.01%	59.01%	59.02%
No. of Shareholders	450	439	461	476	476	487	2,095	1,851	1,804	1,828	1,846

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Decillion Finance Ltd

Decillion Finance Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

Documents

Announcements

Annual reports